Where Does Your Car Rate? The Cheapest Cars to Insure for Arizona Drivers

Where Does Your Car Rate?

The Cheapest Cars to Insure for Arizona Drivers

When you're standing in a vehicle lot looking a four or five figure price tag, how much it's going to cost to insure your new car probably isn't the first thing on your mind. You're more worried about what it's going to cost to get it off the lot! Perfectly reasonable-for short term thinking. In the long term, however, many drivers are going to pay almost as much to insure their car for a five to ten year period as they did to buy it in the first place.

Since the last thing you need is more bills every month, it pays to find the cheapest cars to insure in Arizona before you start wheeling and dealing.

Did you know that insurance companies don't actually pick your insurance premiums at random? They usually do plenty of research into your driving history, your history and your car's history before they give you a number. Why? Because the more you're going to cost them, the more they're going to charge you! The cheapest cars to insure in Arizona are based on research done by the Insurance Institute for Highway Safety Highway Loss Data Institute. Cars that (statistically speaking) are less likely to be involved in an accident and/or theft cost less to insure.

So where does your car rate?

Choosing Your Car

Before we get rolling on the Insurance Institute's top ten lists (figuratively speaking), let's talk about what you should look for when you're choosing your car. There are literally thousands of articles floating around out there on the cheapest cars to insure, and most of them are happy to recommend specific makes and models without bothering to mention that these charts aren't one size fits all.

You're not going to cram a family of five into a sporty two seater. It's just not going to happen.

Since you can't decide "to buy, or not to buy" solely based on how much your insurance premiums are going to run, we're going to give you a quick list of shopping tips that will keep your insurance down regardless of what type of car you're driving:

1) Buy with an eye toward safety. More safety features will protect you, your car and your passengers if you're involved in an accident and keep your liability and comprehensive costs way down.

2) Don't forget security! It doesn't matter how worthless your car seems to you every once in a while (like when it refuses to start just because it's cold outside), someone somewhere is going to be willing to pay big bucks for your stereo, tires and/or transmission-and thieves know it! Invest in a car with security features to deter thieves and stop them from liberating your car from the tyranny of ownership.

3) Two doors are almost always more expensive to insure than three or four.

4) The more it costs to buy your vehicle, the more it's going to cost to replace it-and the more you're going to have to pay to insure it.

The Cheapest Cars to Insure

All right all you Arizona drivers, start your engines! Now that you've gotten the 411 on choosing a car that will keep your insurance rates low, let's take a look at the HDLI's recommendations for drivers based on statistics for 2005-2007 models:

Four Door Models

Mini

     a) Hyundai Accent

     b) Kia Rio

Most Expensive: Chevy Aveo, Toyota Yaris

Small

     a) Toyota Prius

     b) Honda Civic Hybrid

     c) Honda Civic

     d) Saturn ION

     e) Neon Versa

     f) Toyota Corolla

     g) Nissan Versa Hatchback

Most Expensive: Subaru Impreza WRX 4WD, Suzuki Forenza, Suzuki Reno, Kia Spectra

Midsize

     a) Saturn Aura

     b) Hyundai Sonata

     c) Volkswagen Passat

     d) Subaru Legacy 4WD

     e) Honda Accord

     f) Honda Accord Hybrid

     g) Mercury Milan

Most Expensive: Misubishi Galant, Kia Optima

Two Door Models

Mini

     a) Mini Cooper Convertible

     b) Toyota Yaris

Most Expensive: Hyundai Accent

Small

     a) Volkswagen New Beetle Convertible

     b) Volkswagen New Beetle

     c) Chrysler PT Cruiser

     d) Saturn ION Quad Coupe

     e) Ford Focus

Most Expensive: Scion tC, Hyundai Tiburon, Honda Civic, Honda Civic SI, Chevy Cobalt

Midsize

     a) Toyota Camry Solara Convertible

     b) Toyota Camry Solara

     c) Pontiac G6

     d) Chevrolet Monte Carlo

Most Expensive: Honda Accord, Mitsubishi Eclipse

So where does your car rate? Are you getting the best insurance options available, or is your car still running up your bill?

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